Search found 1453 matches

by samsoes
Sun Jan 05, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Jumper cables
Replies: 83
Views: 5615

Re: Jumper cables

Jack FFR1846 wrote: Sun Jan 05, 2020 3:11 pm Red to Dead?

What's that mean?
An end of the red cable gets connected to the "+" terminal on the dead battery.

I hope that helps.
by samsoes
Sun Jan 05, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: Gutter drip
Replies: 4
Views: 588

Re: Gutter drip

You can change the orientation of the curve near the bottom. Instead of having it curve straight out, change the curve to the left or the right. The curved downspout pieces are inexpensive and available at HD or Lowe's. You can then get flexible downspout extenders to direct the water away from your...
by samsoes
Sat Jan 04, 2020 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Geico cancels 1M umbrella
Replies: 54
Views: 6901

Re: Geico cancels 1M umbrella

Flashes1 wrote: Sat Jan 04, 2020 8:02 pm How much are other folks paying for $1 million of umbrella? I'm paying $1,000/year which I thought was fair; however, now I'm seeing the OP was paying was paying $200-$300. This has me concerned/ :oops:
I'm paying $412 for $2M umbrella with Amica (single, 50's, no kids).
by samsoes
Thu Jan 02, 2020 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: HSA effective date in the middle of hospital stay
Replies: 5
Views: 425

Re: HSA effective date in the middle of hospital stay

Congratulations on the new arrival! :beer

Do the EOB's (assuming there is a second one for the baby) list any individual charges with March 1 service date? Those would be eligible for HSA reimbursement.
by samsoes
Thu Jan 02, 2020 5:12 pm
Forum: Personal Investments
Topic: Surprise - my income was too high for Roth IRA. Now what??
Replies: 17
Views: 1606

Re: Surprise - my income was too high for Roth IRA. Now what??

My regularly salary is far below the 2019 MAGI limit for a Roth IRA - salary was $63k, limit is $122k. Two of the financial benefits of my work place are generous year end bonuses and phantom stock . Well, this year was a good year - I took on extra projects that succeeded, which increased my bonus...
by samsoes
Thu Jan 02, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Home Depot vs. PC Richard to buy a refridgerator?
Replies: 33
Views: 1617

Re: Home Depot vs. PC Richard to buy a refridgerator?

HD sells versions of a common appliance models, "especially made for Home Depot," even with the same model number. These are usually inferior quality (cheaper parts, etc.). Please beware of this. IANAL, but this seems like fraud. Some quick web searching didn't give any good information whether thi...
by samsoes
Thu Jan 02, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Online utility bill pay
Replies: 24
Views: 1399

Re: Online utility bill pay

dknightd wrote: Thu Jan 02, 2020 3:31 pm Step one. see if you can setup electronic payments. Save $.40 stamp, and likely less work.
Where can I get stamps for 40 cents?
by samsoes
Thu Jan 02, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Home Depot vs. PC Richard to buy a refridgerator?
Replies: 33
Views: 1617

Re: Home Depot vs. PC Richard to buy a refridgerator?

HD sells versions of a common appliance models, "especially made for Home Depot," even with the same model number. These are usually inferior quality (cheaper parts, etc.). Please beware of this. Would it clearly say 'made for home depot' or would there be no way to tell. As far as I can see online...
by samsoes
Thu Jan 02, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Home Depot vs. PC Richard to buy a refridgerator?
Replies: 33
Views: 1617

Re: Home Depot vs. PC Richard to buy a refridgerator?

HD sells versions of a common appliance models, "especially made for Home Depot," even with the same model number. These are usually inferior quality (cheaper parts, etc.). Please beware of this.
by samsoes
Thu Jan 02, 2020 11:32 am
Forum: Personal Investments
Topic: Dividends not working how I thought they did.
Replies: 69
Views: 10628

Re: Dividends not working how I thought they did.

Once again: dividend is return of capital. It's money you already had. A dividend paid out and reinvested is really just shuffling money around. No, not really. Return of Capital distributions -- which are common with VNQ (reit) -- are listed on line 3 of form 1099-DIV and are not taxable. Dividend...
by samsoes
Thu Jan 02, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: RMD Table 1...Vanguard Doesn't Match
Replies: 13
Views: 696

Re: RMD Table 1...Vanguard Doesn't Match

I would use the IRS as the source of the information as they would be the ones charging the penalty if you ended up not taking the full amount of your RMD. It looks like in this case Vanguard is showing a smaller divisor which results in a larger RMD than what the IRS would require, so there'll be ...
by samsoes
Sat Dec 28, 2019 8:44 pm
Forum: Personal Investments
Topic: Last Minute Roth Conversion Question
Replies: 17
Views: 1719

Re: Last Minute Roth Conversion Question

Depends. What's your marginal tax bracket (Federal and State)? Do you expect to be in a higher or lower tax bracket when you would otherwise take distribution of the tax-deferred IRA?
by samsoes
Sat Dec 28, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: [Golf] in Orlando
Replies: 18
Views: 1171

Re: Gold in Orlando

HomeStretch wrote: Sat Dec 28, 2019 4:31 pm You might want to correct the typo in your thread heading (“gold” to “golf”) to get a better response. Enjoy your trip!
I first thought it was clickbait, or a real gold rush, 21st century style.
by samsoes
Thu Dec 26, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Albany NY - relocation
Replies: 11
Views: 838

Re: Albany NY - relocation

No familiarity with neighborhoods, etc. in the Albany, NY area. However, often the kinds of things that such a person might desire would be located near colleges and universities. In, or near, Albany NY (or Troy NY) are many such institutions of higher learning. Also note, if coming from a warmer l...
by samsoes
Thu Dec 26, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Confused about dividends in ETFs
Replies: 9
Views: 783

Re: Confused about dividends in ETFs

Stef wrote: Thu Dec 26, 2019 2:34 pm I didn't see a drop on ex-dividend day for VTI and VT.

Any explenation?
VTI dropped, I assure you.
by samsoes
Thu Dec 26, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Passport renewal and 'passport card' (extra $30)
Replies: 36
Views: 1575

Re: Passport renewal and 'passport card' (extra $30)

I take my passport card with me when flying domestically. In the event my real-id driver's license is lost or stolen, I'll still be able to got on a plane to fly home. Of course, the passport card shouldn't be kept in the same place as the driver's license.
by samsoes
Wed Dec 25, 2019 4:12 pm
Forum: Personal Investments
Topic: 401K plan after leaving company
Replies: 23
Views: 1018

Re: 401K plan after leaving company

Is the 401(k) in question a Roth 401(k)? If not, rolling it into a Roth will incur income tax on the entire "rolled" amount.
by samsoes
Mon Dec 23, 2019 6:56 pm
Forum: Personal Investments
Topic: I'm at the ACA cliff and need to reduce my taxable income by placing assets in tax-deferred investment vehicles
Replies: 28
Views: 2778

Re: I'm at the ACA cliff and need to reduce my taxable income by placing assets in tax-deferred investment vehicles

How much over the cliff are you? One way to "reduce" income is to lose money to early penalties withdrawal. Deliberately invest in a CD that charges a stiff EWP, and then break it on or before December 31st. That is a great tip ; thanks. BTW - Does anyone know why there is a ACA cliff? Why not just...
by samsoes
Sun Dec 22, 2019 3:51 pm
Forum: Personal Investments
Topic: Mail from Vanguard - Account could be turned over to state due to lack of interest
Replies: 97
Views: 9521

Re: Mail from Vanguard - Account could be turned over to state due to lack of interest

There's no phone number on the letter. The only contact is at the upper right and it says "Connect with Vanguard > vanguard.com". So I'm pretty sure it's a legitimate letter. There is also no account number listed, although my name and address do appear at the top. The letter reads: Dear Vanguard C...
by samsoes
Sun Dec 22, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Credit card payment habits
Replies: 72
Views: 4394

Re: Credit card payment habits

sport wrote: Sun Dec 22, 2019 11:43 am ... I don't let anyone other than DW have direct access to our checking account, so no auto-payments.
Here, here! :beer
No autopayments, ever. Nobody just "takes" my money.
I initiate all payments.
by samsoes
Sat Dec 21, 2019 10:45 am
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28384

Re: Tax Law Changes for 2020

if I'm already several years into an inherited Stretch IRA, am I grandfathered in, or do I need to switch to the new 10 year schedule? If the IRA owner is already deceased and there is an existing inherited IRA, the SECURE Act does not eliminate the stretch. Existing inherited IRAs are grandfathere...
by samsoes
Tue Dec 17, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance during retirement
Replies: 28
Views: 2806

Re: Health Insurance during retirement

Health insurance premiums are only one factor. Deductibles (oftentimes separate one for Rx), co-pays (for Rx's, office visits, lab visits, physical therapy/rehab, etc.) co-insurance percentages (for procedures) and high out of pocket maximums can play a huge role. Also be aware of balance billing fo...
by samsoes
Mon Dec 16, 2019 6:23 pm
Forum: Personal Investments
Topic: Roth IRA Conversion Dec. 2019 - quick question at Schwab
Replies: 18
Views: 1141

Re: Roth IRA Conversion Dec. 2019 - quick question at Schwab

The entire conversion can be done online with Schwab, even after trading hours. You will be given the option of withholding taxes. Don't do this, since the amount withheld is not converted and is considered a distribution subject to 10% penalty if you aren't at least 59.5. Account for the taxes with...
by samsoes
Thu Dec 12, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Re: Amazon Echo, Alexa, and privacy concerns
Replies: 41
Views: 2609

Re: Amazon Echo, Alexa, and privacy concerns

I'm not full on the Alexa wagon yet, but I experiment all the time at my neighbors house. "Alexa, how do you make a pipe bomb?" "Alexa, what is a pressure cooker bomb and how is it made?" "Alexa, How much does a pound of pot cost?" Haven't seen the FBI or NSA show up as of today. Try asking her, in...
by samsoes
Wed Dec 11, 2019 9:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8774

Re: Vanguard Estimated Year-End Distributions

Here's Schwab's: https://www.schwabfunds.com/public/csim/home/documents/distributions-tax The Schwab site is quite bizarre. For ETF distributions, it shows a "ETF Capital Gains" document showing $0.00 for all listed ETFs (as expected): https://ims.schwab.wallst.com/repository/?doc=SchwabETFsDistrib...
by samsoes
Wed Dec 11, 2019 9:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8774

Re: Vanguard Estimated Year-End Distributions

Here's Schwab's: https://www.schwabfunds.com/public/csim/home/documents/distributions-tax The Schwab site is quite bizarre. For ETF distributions, it shows a "ETF Capital Gains" document showing $0.00 for all listed ETFs (as expected): https://ims.schwab.wallst.com/repository/?doc=SchwabETFsDistrib...
by samsoes
Thu Dec 05, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: 50 Next Year - Should I Join AARP?
Replies: 105
Views: 8700

Re: 50 Next Year - Should I Join AARP?

AARP is a marketing organization that many join without understanding of exactly what benefits they are getting, could get anyway, and what AARP spends money on. I know of no one that joins and stays a member after. Also be advised that AARP is also quite political. They are heavily tilted in a par...
by samsoes
Sat Nov 23, 2019 10:05 am
Forum: Personal Investments
Topic: FYI - EJ fee schedule
Replies: 3
Views: 499

Re: FYI - EJ fee schedule

Criminals.
by samsoes
Sat Nov 23, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: How high can the S&P go? Is there a limit?
Replies: 40
Views: 5609

Re: How high can the S&P go? Is there a limit?

The SPX reached a low of 683 on 3/6/2009. At it's current level of 3110 it's a 355% increase... which is impressive but it pales compared to the bull from 1987-2000. The 87-00 bull market resulted in a 587% increase so the SPX would've had to be at 4009 to be equivalent. Can it go that high? Why no...
by samsoes
Wed Nov 20, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Water heater - am I getting ripped off
Replies: 58
Views: 4627

Re: Water heater - am I getting ripped off

I have an oil-fired water heater (natural gas is not available in my area). A couple of years ago, I got three quotes to proactively replace it. Costs were all in the $3000 range. I recoiled from that price and have been in denial ever since. Apparently, oil-fired water heaters are much more expensi...
by samsoes
Wed Nov 20, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Re: Alternatives to VOIPo?

Next day update ... VOIPo is still down. Astonishingly, no communication since the "apology" yesterday. VOIPo is not answering their own phones. Second full day of no phone service with no end in sight. VOIPo is still down. Day three for me. Many people use VOIPo for their business' phones, and hav...
by samsoes
Tue Nov 19, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Re: Alternatives to VOIPo?

Next day update ... VOIPo is still down. Astonishingly, no communication since the "apology" yesterday. VOIPo is not answering their own phones.
Second full day of no phone service with no end in sight.
by samsoes
Tue Nov 19, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage relief for an estate after Death
Replies: 2
Views: 384

Re: Mortgage relief for an estate after Death

Most mortgage documents call the loan (make all of it due, now) when the note holder(s) die.
by samsoes
Mon Nov 18, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Re: Alternatives to VOIPo?

Hot off the press - "Update and apology" from VOIPo's CEO: http://forums.voipo.com/showthread.php/110438-Update-and-Apology-from-VOIPO That's all well and good, but my phone line is still dead. And there are many people complaining on Twitter that they have lost money today since their business phon...
by samsoes
Mon Nov 18, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Re: Alternatives to VOIPo?

Nicolas wrote: Mon Nov 18, 2019 6:50 pm
samsoes wrote: Mon Nov 18, 2019 6:34 pm VOIPo is still out.
It’s working for me, I just tested it. Maybe it’s a problem just in certain areas (?)
Sounds like it. I just power-cycled my adapter yet again, to no avail.
by samsoes
Mon Nov 18, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Re: Alternatives to VOIPo?

VOIPo is still out. There are some very robust comments on Twitter regarding this outage: https://twitter.com/VOIPO/status/1196506805540515840 . I may go to Best Buy tomorrow and buy an Ooma box. The alternative is to subscribe to Comcast Voice for an additional $38/month over what I pay now for int...
by samsoes
Mon Nov 18, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Re: Alternatives to VOIPo?

SimonJester wrote: Mon Nov 18, 2019 1:28 pm
William4u wrote: Mon Nov 18, 2019 12:50 pm I have found that google voice is reliable and free with an Obi 200.
Free yes, reliable mostly. I have gotten every penny I have paid out of this service and more...
Hmmm ... what's the "mostly" refer to? What type of issues have you experienced and how were they resolved?
by samsoes
Mon Nov 18, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Re: Alternatives to VOIPo?

I have found that google voice is reliable and free with an Obi 200. Is there any customer service phone number available in the event of a problem, or at least an online trouble-ticket system? I have "very" octogenarian parents in the next town and reliability and the ability to quickly resolve is...
by samsoes
Mon Nov 18, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3497

Alternatives to VOIPo?

Hi folks, many years ago I transitioned my home phone to VOIPo (www.voipo.com) and had been absolutely amazed with the quality and price of the service. Over the past few months, however, they have gotten quite unreliable. They have been down more often than not (and are down as I type this). They a...
by samsoes
Sat Nov 16, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Double-dipping with cash-back app
Replies: 13
Views: 1685

Re: Double-dipping with cash-back app

runner3081 wrote: Sat Nov 16, 2019 3:38 pm I assume the store gives you a new physician GC upon return.
What's a physician gift card? Are these cash back deals only available to doctors?
by samsoes
Fri Nov 15, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Anyone switch from oil to propane?
Replies: 30
Views: 1734

Re: Anyone switch from oil to propane?

Cheez-It Guy wrote: Fri Nov 15, 2019 10:52 am Image
Hank Hill is my hero, I tell you what! :mrgreen:
by samsoes
Thu Nov 14, 2019 11:09 am
Forum: Personal Investments
Topic: WEP from working overseas?
Replies: 8
Views: 506

Re: WEP from working overseas?

What does "WEP" mean?
by samsoes
Thu Nov 14, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 3366

Re: Garage Generator Install

firedawgy wrote: Thu Nov 14, 2019 7:56 am I have standard 3br house, attached garage with FROG.
What is FROG? (Assuming, of course, it's not an amphibian.)
by samsoes
Wed Nov 13, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Will I be audited?
Replies: 51
Views: 4687

Re: Will I be audited?

fortfun wrote: Mon Nov 11, 2019 7:51 pm I don't think there is anyone left working at the IRS to audit you. I think it has been gutted...
Sadly, I can't find any tissues to dry my eyes...
by samsoes
Wed Nov 13, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 4399

Re: Snow tires

Sgnoweht wrote: Mon Nov 11, 2019 7:32 pm Does LC= land cruiser? Dedicated snow tires on a land cruiser should be unstoppable ! Some day I'll get spare wheels and dedicated snows for my LC!
I thought LC was an abbreviation for Lincoln Continental. Non-intuitive ambiguous acronyms are ubiquitous on this site.
by samsoes
Wed Nov 13, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5874

Re: First Republic Bank doesn’t have physical coins

ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting. :-? ftw = "for the win" What does “for the win mean”? https://en.wiktionary.org/wiki/for_the_win So I have to do research to figure out what you are trying to communicate? I also prefer spelled-o...
by samsoes
Wed Nov 13, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5874

Re: First Republic Bank doesn’t have physical coins

nervouscorps wrote: Fri Oct 25, 2019 12:57 pm FRB is the real deal. Have switched to them and never regretted it.
FRB? :?:
by samsoes
Wed Nov 13, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 5874

Re: First Republic Bank doesn’t have physical coins

mptfan wrote: Fri Oct 25, 2019 11:32 am
Doom&Gloom wrote: Fri Oct 25, 2019 10:45 am Credit cards and currency ftw!
ftw? Am I the only one who does not know what that means? The proliferation of acronyms is off-putting.
:-?
I agree, wholeheartedly. Non-intuitive acronyms are ubiquitous on this site's postings. :annoyed
by samsoes
Mon Nov 11, 2019 7:10 am
Forum: Personal Investments
Topic: What should the AA of a young retiree be?
Replies: 20
Views: 1726

Re: What should the AA of a young retiree be?

I just FIRE'd, mid-50's, single, no kids, not intending to leave anyone an inheritance. I've accumulated > 51x of 150% expenses (not including SS). Current AA: 70/30. No more Megacorp Rat Race for me. That's 76X expenses of which 23X is in fixed income. Of course you can hold more equity, you have ...